America First Credit Union Visa Platinum Credit Card
- Annual fee
- None
- Recommended credit
- Good / Fair
- Card network
- Visa
- Regular purchase APR
- 12.24% to 18% variable based on creditworthiness and the Prime Rate
At a glance
The America First Credit Union Visa Platinum Credit Card is a no-nonsense selection of three credit cards that offer great low interest rates, mediocre rewards (in two instances), and no annual fee. The cards are the mid-range offerings of leading credit Union, America First Credit Union in Utah and Nevada.
Our review of the America First Credit Union Visa Platinum Credit Card
If you’re looking for a credit card with no annual fee and Visa Platinum protections, the America First Credit Union Visa Platinum range is worth considering. This review covers three distinct card types offered by America First Credit Union:
America First Credit Union Visa Platinum Cash Back Card
The Cash Back Visa Platinum Card offers a flat, unlimited 1% cash back on all eligible purchases with no annual fee. Users can choose when their cash back rewards are deposited into their America First Credit Union savings or checking account.
America First Credit Union Visa Platinum Rewards Card
Similar to the Cash Back card, the Rewards Visa Platinum Card offers points instead of cash back. Rewards can be redeemed for various options, and there is no balance transfer fee.
America First Credit Union Visa Platinum Low Rate Card
The Low Rate Visa Platinum Card offers a low APR for purchases, balance transfers, and cash advances. With rates as low as 7% for those with excellent credit, this card is ideal for financing large purchases over time.
Visa Platinum Benefits
In addition to no annual fee, America First CU credit cards offer Visa Platinum benefits such as Roadside Dispatch, Auto Rental Collision Damage Waiver, Cardholder Inquiry Service, Lost or Stolen Card Reporting, Emergency Card Replacement, and Zero Liability protection.
Should You Apply?
Overall, the America First Credit Union Visa Platinum Credit Card range offers competitive interest rates and basic rewards. Those with excellent credit can benefit from significantly lower APRs compared to similar cards. The Low Rate Card, in particular, stands out for its exceptionally low APR and no balance transfer fees.
If you prioritize a great rate over rewards and bonuses, the America First Credit Union Visa Platinum Low Rate Card is a solid choice. With one of the lowest APRs in the country, this card is perfect for those looking to save on interest charges.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- No annual fee
- Personalize your card with your own image, and choose from one of four perk options
- No balance transfer fees
- Identity theft recovery feature included standard
Who this card may suit
- You prefer a low rate over great rewards
- You want basic cash back and a competitive APR
- You plan to carry a balance
- You want to transfer an existing balance and pay it off at a lower interest rate
- You don’t want to pay an annual fee
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 12.24% to 18% variable based on creditworthiness and the Prime Rate |
| Balance Transfer APR | 12.24% to 18% variable based on creditworthiness and the Prime Rate |
| Cash Advance APR | 12.24% to 18% variable based on creditworthiness and the Prime Rate |
| Cash Advance Transaction Fee | 1.5% of the amount of each cash advance |
| Foreign Transaction Fee | Up to 1% of the transaction amount in U.S. dollars |
| Late Payment Penalty Fee | Up to $35 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Good Credit Fair Credit.
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America First Credit Union Visa Platinum Credit Card
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